Bottom line, riding safely is about managing your risks. We all do that in a large variety of ways. Protective gear is one of those ways, but also how and where we choose to ride is another. I'd bet that most of us have ridden in less than ATGATT on occasions. Some more regularly than others. When I'm out riding all day and park at the hotel I try to find a hotel/motel that's walking distance to food so I don't need to get back on the bike. I can enjoy an adult beverage and walk to dinner this way and not get back on the bike.
Still, I've been in places where there simply was no decent food option near the hotel/motel. I've also had occasions where I was meeting local peeps at a restaurant, and I didn't have advance knowledge of where that would be in town, so had to ride there. Well, I could have taken a cab, but that's just not something I usually consider. I've dealt with this in several ways, ordering delivery food like pizza or chinese, gearing up and going to get food and bring it back to the hotel, and mostly when meeting others at some restaurant a mile or five away from my hotel, just riding down there in shorts and a tee shirt.
If I choose to ride that way, I manage my risks by riding at a more relaxed pace and deliberately giving and creating more space around me. I stay off the interstate, I am hyper aware of conditions and intersections, etc. I'm pretty aware on any ride, but things just go up a notch. I know there is the potential for greater injury if bad things happen, but I have accepted the risks and manage them the best I can for that occasion.
On any given ride I'm typically wearing $1500+ of high quality protective gear. I can remember one time in the last year where I rode in less than ATGATT, which was in street pants, riding boots, riding jacket and helmet to go get a pizza and bring it back to the motel for the wife and I to enjoy in a small town that had little to offer and no delivery service from the only pizza place. I also spent 10 years riding w/o helmets and little more than a leather jacket and gloves/goggles with jeans and boots. I survived that. People survive riding in shorts too, it's just a different level of risk. In some situations, it's dumb and the risks of injury are greater. In others, it's still a higher risk, but if the rider is managing those risks, it's just a personal choice. The awareness of the risks make the difference between stupid and simply an increased risk.
The Great thing here is we all get to make those personal choices for ourselves. :good: